Harmoney's eligibility criteria

You must be 18 years or older

You must be a New Zealand citizen or Permanent Resident, or an Australian citizen.

You must have paid employment (which may include self-employment).

You need to have photo identification document handy, such as your valid New Zealand passport or driver’s licence.

Your credit file must not have any active defaults, judgments or bankruptcies recorded.

You need to borrow at least $2,000.

You must be 18 years or older.

You must be an Australian citizen, Permanent Resident or New Zealand citizen.

You must have paid employment (which may include self-employment).

You need to have photo identification document handy, such as your valid Australian passport or driver’s licence, or a non-Australian passport if you are a permanent resident.

Your credit file must not have any defaults, judgments or bankruptcies recorded.

You need to borrow at least $2,000.